Don't let an accident hurt more than it should

Group accident insurance, underwritten by Securian Life Insurance Company, helps plan for the unexpected and provides additional peace of mind.

See how we explain accident insurance to employees

Why offer group accident insurance?

More than 1/3 of U.S. adults couldn't cover a $400 emergency expense with cash, savings or a credit card paid off at the next statement¹. Accident insurance can offer an added layer of protection.

• Cash benefit paid directly to the insured to use any way they wish
• Benefit payout doesn’t depend on employee’s income or participation in other employer insurance offerings
• No health questions asked — coverage is always guaranteed
• Multiple benefits available for any one accident
• Dependents eligible for same benefit amounts as employee

What does group accident insurance cover?

You can customize an accident insurance program to include a variety of benefits.

Core benefits can be paired with standard and additional benefits to address the financial and health risks facing employees.

Core benefits 

• Ambulance (air, ground or water)
• Dislocation
• Emergency room treatment
• Fracture
• Hospital² stay
• Paralysis (quadriplegia, paraplegia, hemiplegia or uniplegia)

Additional benefits

Our accident insurance offering is designed to stand out from the competition with features like these:

Family focused benefits

• Pet boarding — Payable each day³ an insured receives treatment in a hospital or rehabilitative facility for an injury resulting from a covered accident
• Adult companion lodging — Provided when the insured’s companion incurs a lodging charge and the hospital stay or rehabilitative (inpatient) benefit is payable the same day
• Child organized sport’s injury — Additional riders provide a payment when a covered child is injured during an organized activity, in addition to other eligible benefits
• Dependent parent rider — Benefit available to employee or spouse providing financial support to a dependent parent (must equal more than half of parent’s monthly expenses)

Mental health benefits and more

• Post-traumatic stress disorder (PTSD) — Benefit is payable upon diagnosis resulting from a covered accident or trauma
• Trauma counseling — Supports mental health after a serious accident
• Rehab therapy — we have the most comprehensive list of covered therapies in the marketplace including physical therapy, occupational therapy, vocational therapy, speech therapy, respiratory therapy, cognitive behavioral therapy, trauma counseling, chiropractic therapy and acupuncture)

When a claim is submitted, the amount paid will depend on the number of benefits for which the insured qualifies, the care they receive, and the terms and conditions of the policy.

How group accident insurance works

If the insured is injured in a covered accident, they can get a payout to use any way they wish to help cover deductibles, out-of-pocket medical costs or everyday living expenses.

Benefit example

Here’s an example of how benefits under a group accident insurance policy might be paid to an employee.

Included features

Select additional benefits to complement accident insurance at no additional premium.

• Accidental death and dismemberment — This added coverage provides beneficiaries with additional financial protection if an employee’s death or dismemberment is due to a covered accident.
• Health and wellness — Once per year, employees and their spouses can receive a benefit for having a health and wellness screening (up to 32 screenings) including an annual physical.

• Continuation of coverage — If an employee becomes disabled, they may be eligible to have their group accident insurance premiums waived. Continuation options for terminated employees are also available.